If flexible employees pay social security by themselves, how much do they need to pay each month?

Those freelancers who don't have social insurance in naked resignation, or those who want to repay their parents' social insurance, must read this article.

One-time payment should also be divided into different situations. For example, employees' social security payment is relatively strict, but residents' social security is relatively loose.

I called the social security bureau in most parts of the country, which was quite torture!

In some areas, it is very difficult to get through the phone. As soon as you hit it, you will be prompted to speak, but Dabai finally sorted out the regulations of most cities for everyone, hoping to be useful to everyone.

In addition, I will also add how much social security I have to pay, as well as the state subsidies for social security.

Before you start, you should popularize two knowledge points and remember them.

1 What kind of social security should different people buy?

Everyone is seated:

Social security for urban workers: it is bought by units and people who go to work;

Social security for urban residents: pre-school children, students (including primary school/junior high school/senior high school/college students), freelancers, self-employed people and other friends who have no work units can buy it.

New rural cooperative medical system: rural friends can buy it.

If the new rural cooperative medical system in your city has been merged with urban residents' social security, you can buy urban residents' social security directly.

2 What are the ways to pay social security by yourself?

At present, there are three most common ways to pay social security by yourself:

Affiliation: not protected by law, calculated according to 38% of income, but only about 8% enters personal accounts, and there are handling fees, which are expensive and have no legal protection. Pay social security and pension as flexible employment: these two items are not much different from employees, and may be a little worse, but they are really expensive. Paying social security for urban and rural residents: the cost is relatively low, but you will know that the amount of pension in the future may be relatively low. Knowing these two foundations, we can start the next topic.

Pay social security by yourself, generally you can only pay pension and medical insurance, so I will talk about these two solutions separately in this answer.

If you don't want to watch it too long, you can consult me directly.

First, how to pay social security by yourself? How much does it cost? 1. Payment Guide It is more convenient to pay now. In some first-tier cities, it is possible to pay directly through online channels.

For example, Shanghai can be found directly in Alipay-Citizen Center-Social Security-Personal Social Security Payment.

Or "WeChat-City Service-Search for" Flexible Employment ""

There are also some apps from other regions, such as Shanghai.

You can try this method first, if not, then contact the local social security bureau.

2. How much social security do I have to pay myself? Here, residents' social security is used to calculate.

1 pension

Endowment insurance for urban and rural residents has many payment grades. Compared with employee pension insurance, if the payment grade is low, the pension is also low. I found the payment grade and subsidy table of medical insurance for residents in a certain place in Shandong:

How much can I get at the age of 60 after 25 years?

I got an official answer from Hebei People's Society. You can make a reference.

The basic pension and individual pension add up to 262 yuan per month.

One year is 3 144 yuan, and residents can get more for their old-age care. If you choose a high-level payment, you can get more at that time.

2 medical insurance

This year, the payment standard of the new rural cooperative medical system is 320 yuan per person, which is more than that of 40 yuan last year.

The main reason is that the medical expenses are increasing, so the medical expenses have also come up. The state has helped to pay more, and it has risen to a subsidy of 580 yuan per person.

Medical insurance for urban and rural residents is not available in every region, because the average salary and payment base in each region are different. I suggest you ask before you buy it.

Second, recommend one and pay social security yourself. The more cost-effective method is the one I recommend most,

Paying endowment insurance is flexible employment, and medical insurance pays residents' medical insurance in residents' social security.

The pension paid by flexible employment is similar to that of employees, and the pension is more than that of residents.

Residents' medical insurance costs only a few hundred dollars a year, which can save thousands of dollars compared with employees' medical insurance. Although the overall treatment is not as good as employee medical insurance, it is also possible to reimburse a lot of money for serious illness.

If you still have doubts about the protection, you can add a million medical insurance, which is about several hundred dollars a year.

However, some places can't pay in this way. If your place can pay independently in this way, you can try it.

Three. If you pay social security yourself, the state will subsidize you about 6000 yuan. 1. Acceptance conditions:

Women over 40 years old, men over 50 years old; In some areas, women are over 45 years old and men are over 55 years old.

To pay social security with "flexible employees", they must be unemployed household registration personnel.

Pay social security on time every month.

2. How much can I get?

6000 yuan/year social security subsidy, which can be received continuously for about 3 years.

Guangzhou: Subsidize 600 yuan every month, about 7,200 yuan a year; Shanghai: 50% of the subsidy standard. If the individual pays 6000 yuan/year, the subsidy is 3000 yuan/year; Chengdu: 70% of the subsidy standard. Individuals who pay social security 6000 yuan/year will be subsidized 4200 yuan/year; Changsha: The subsidy standard is 60%. Individuals who pay 6000 yuan for social security will be subsidized 3600 yuan/year. College graduates within two years of graduation, or flexible employees working in public welfare posts, receive more subsidies.

3. Collection method

Basic materials: ID card, household registration book, unemployment registration information, insurance details, apply to the Social Security Bureau for collection, but the specific provisions vary from place to place. Before going to handle it, it is recommended to call the local social security bureau 12333 for consultation.